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Analisis Elektrifikasi Transportasi Untuk Penghematan Subsidi BBM Fitrah, Habib; Marliyah, Marliyah; Bi Rahmani, Nur Ahmadi
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 2 (2024): JIEI : Vol.10, No.2, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i2.15266

Abstract

The purpose of this study is to measure how much electric vehicles have an impact on state budget savings on fuel subsidies in Indonesia, This study uses a quantitative method of a simple linear regression model in this study using data on electric vehicles and fuel subsidies from 2020-2022 with data sources from Katadata, from the results of this study there are results that have a positive effect on electric vehicles on state budget savings, with an influence of 93%. Because electric vehicles do not need to be subsidized because the charging cost is very cheap, and the budget from this fuel subsidy can be diverted to fundamental things, such as the progress of Infrastructure, Education and Health. And the per capita income of the Indonesian people will increase because their expenses for commuting are saved by 70 percent by using electric vehicles.
Service Quality Pada Perbankan Syariah Prespektif Maqashid Syariah Ibnu"ASYUR" Amsari, Syahrul; Barus, Dana Syahputra; Sudiarti, Sri; Marliyah, Marliyah
Al-Buhuts Vol. 19 No. 2 (2023): Al- Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v19i2.3927

Abstract

Maqashid sharia is the main reference for maintaining social balance in society which is the basic goal of Islamic sharia. The author presents in simple terms the maqashid al-shari'ah theory according to Ibn Assyria's view. Points that are considered important in this issue include the definition of maqasid al-shari'ah, its content, and its implementation of Islamic banking. The low level of service quality provided by Islamic banking has resulted in a decrease in the level of customer trust, especially towards Islamic banking. Therefore, the author wants to examine the aspects of service quality which includes tangible, reliability, responsiveness, assurance and Empathy. This type of research is descriptive qualitative. Opinion of ibn Asyur which is considered in accordance with the Islamic Banking approach. Everything that contains the meaning of maintaining/maintaining the five maqasid al-shari'ah, is called mafsadah, rejecting/removing mafsadah means maslahah
Optimasi Pembiayaan Haji Di Indonesia: Peran Kontrak Wakalah Zahrowaini, Taqiya; Nurganti, Nurganti; Marliyah, Marliyah; Halimatussakdiyah, Halimatussakdiyah
Maisyatuna Vol. 5 No. 3 (2024): Juli : Jurnal Maisyatuna
Publisher : STAI Denpasar Bali

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53958/mt.v5i3.514

Abstract

The increase in Hajj registrants in Indonesia has led to the need for efficient and transparent management of Hajj funds. State regulations and Sharia principles must be adhered to when using Wakalah contracts for efficient management of Hajj funds. The aim of this research is to clarify the legal framework surrounding the Wakalah contract so that its implementation is more effective and optimizes the management of Hajj funds both in the context of sharia and state law. This research uses a normative juridical method, namely data is analyzed and processed systematically, logically and critically, using a normative approach and based on regulations, doctrine, legal principles and other relevant supplementary materials. Based on these findings, data was analyzed and a strong legal framework and sharia principles can maximize benefits for Hajj pilgrims and encourage cost-effective management of funds. Collaboration between Islamic banking institutions and Hajj regulators can also help overcome existing challenges. This research offers a deeper understanding of the benefits of ownership, Wakalah principles, as well as relevant legal and Sharia aspects, thanks to its careful methodological approach. Its unique contribution lies in its focus on beneficial ownership, a comprehensive examination of legal and sharia considerations, and the development of a practical framework for improving Hajj financial management in Indonesia.
Pengaruh Intellectual Capital, Leverage, Non Performing Financing dan Capital Adequacy Ratio terhadap Kinerja Keuangan pada Bank Umum Syariah di Indonesia Laseari, Indah; Marliyah, Marliyah; Sugianto, Sugianto
el Buhuth: Borneo Journal of Islamic Studies el Buhuth: Borneo Journal of Islamic Studies, 5(1), 2022
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (Center for Research and Community Services), Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/el-buhuth.v5i01.4835

Abstract

This study plans to look at the impact of scholarly capital estimated by VAIC (Value Added Intellectual Capital) in Islamic banking in Indonesia on monetary execution. The number of inhabitants in this study are Sharia business banks situated in Indonesia and have been enlisted with Bank Indonesia and the Monetary Administrations Authority (OJK). The examination rules of the information test utilized in this review are Sharia business banks in Indonesia from 2015 to 2021. The technique for information assortment in this study is documentation and perception on the quarterly report of Islamic business banks. Information is handled utilizing the eviews 8 program. The consequences of this study showed that VAIC , Leverege, NPF and CAR impacted ROA.
ZAKAT SEBAGAI INTRUMEN KEUANGAN SOSIAL ISLAM DALAM PENGENTASAN KEMISKINAN MASYARAKAT PINGGIRAN PERKOTAAN AK, Marlya Fatira; Marliyah, Marliyah; Siregar, Saparuddin; Lubis, Farah Fadhila; Nasution, Rizki Aulia Putri Mujur; Rahmawati, Widya Ayu
Jurnal Review Pendidikan dan Pengajaran Vol. 7 No. 1 (2024): Volume 7 No 1 Tahun 2024
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jrpp.v7i1.25174

Abstract

Penelitian ini membahas tentang peran zakat sebagai intrumen keuangan sosial islam dalam mengatasi masalah kemiskinan pada Masyarakat pinggiran perkotaan khususnya di daerah Medan Tembung. Tujuan penelitian ini adalah menemukan gambaran keberhasilan UPZ Masjid Ubudiyah Lingkungan IV Kel. Sidorejo Kec. Medan Tembung dalam mengumpulkan zakat, mengadministrasikan zakat kemudian mendistribusikan zakat hingga mampu mengurangi kemiskinan dilingkungan sekitar masjid Ubudiyah Tembung. Data yang digunakan dalam penelitian ini berbentuk data kualitatif, data diperoleh dari sumber primer dan sumber sekunder. Teknik pengumpulan data yang dilakukan untuk memperoleh data primer adalah melalui wawancara sedangkan untuk data sekunder mellaui dokumentasi dan studi Pustaka. Guna menjawab permasalahan yang ada, maka digunakan metode penelitian kualitatif. Dengan Teknik analisis data deskriftif eksplanasi, dengan menguraikan temuan dari hasil wawancara dan memaparkan data sekunder yang diperoleh dilapangan. Hasil penelitian menunjukkan bahwa Zakat yang dikelola UPZ BKM Ubudiyah telah mampu meringankan kesulitan hidup Masyarakat miskin, namun belum mampu mengatasi atau mengurangi jumlah Masyarakat miskin dilingkungan tersebut. Bantuan zakat hanya mampu menutupi kebutuhan hidup satu hingga tujuh hari kedepan saja, selebihnya kembali kekurangan (miskin).
The Effect of Religiosity and Emotional Intelligence on the Performance of the Management of the Student Organization with Motivation as Intervening Variable Siregar, Zulhazzi; Sugianto, Sugianto; Marliyah, Marliyah
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 4 No 1 (2021): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v4i1.1501

Abstract

Islamic Boarding School is a life-oriented Islamic education institution that emphasizes the importance of having a religious attitude and good emotional intelligence in students as a form of motivation that supports good performance and brings the good name of the Islamic boarding school. This study aims to prove how the direct and indirect influence of Religiosity and Emotional Intelligence on performance with motivation as an intervening variable. The sample in this study was the member of the Student Organization of Modern Islamic Boarding School Nurul Hakim Tembung, totaling 47 people. The method used in this research is a quantitative approach using path analysis with multiple linear regression models with SPSS version 20. The results of this study found that religiosity does not affect motivation. Emotional intelligence has a significant effect on motivation. Motivation does not affect performance. Indirectly Religiosity does not affect performance through motivation. Emotional intelligence indirectly does not affect performance through motivation. Religiosity, Emotional Intelligence, Motivation, Performance.
Determination of Poverty through Unemployment in North Sumatra Andrean, Piter; Marliyah, Marliyah; Batubara, Maryam
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 2 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i2.3859

Abstract

This study aims to analyze the effect of the unemployment rate, Gross Regional Domestic Product (GRDP), investment, and The Human Development Index (HDI) which are relevant in influencing poverty in North Sumatra Province. This study uses secondary data in the form of North Sumatra Cross Section data from 2015-2021. The analytical method used in this study is a mixed method with Path Analysis and Descriptive Qualitative approaches. The results showed that GRDP had a significant effect on the poverty rate, Investment had a significant effect on poverty, HDI had a significant effect on poverty, GRDP had a significant effect on unemployment, Investment had a significant effect on unemployment, HDI had a significant effect on unemployment, and unemployment has no significant effect on poverty in North Sumatra. Unemployment does not function as an intervening variable between GRDP and poverty, unemployment functions as an intervening variable between investment and poverty, and unemployment does not function as an intervening variable between HDI and poverty.
Analysis of Understanding of Ta’awun Principles and Its Influence on the Interest of Online Ojek Drivers to Become Sharia Insurance Participants Fachrina, Rifka; Marliyah, Marliyah; Syahriza, Rahmi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.3861

Abstract

Online transportation companies have provided insurance facilities for the profession of online motorcycle taxi drivers, but there are still many online motorcycle taxi drivers who do not have self-protection in the form of insurance, even though drivers have a level of work risk that has the potential to endanger their health and safety. The purpose of this research is to find out the online motorcycle taxi drivers' understanding of the ta’awun principle and the online motorcycle taxi drivers’ interest in sharia insurance. This study uses qualitative methods with data collection techniques through interviews. Data processing was carried out using the Miles & Huberman analysis technique which consisted of three stages, namely data reduction, data presentation, and conclusions. Based on data analysis it was concluded that as many as 29% of informants understood the ta’awun principle in sharia insurance. 43% of informants are interested in becoming participants in sharia insurance 67% of them understand the principle of ta’awun while 33% of other people do not understand the principle of ta’awun, 34% of informants are not interested in participating in conventional insurance or sharia insurance as much as 62% of informants admit to knowing the principle of ta’awun awun while 38% of people said they did not understand the principle of ta’awun. 23%, namely 25% of people understand the principle of ta’awun, while 75% of other people do not understand the principle of ta’awun, this percentage explains that the informant is still in doubt about taking Islamic insurance.
Analysis of Sharia Compliance Implementation in Assessing the Performance of Agent of PT Asuransi Jiwa Syariah Bumiputera Nasution, Nurdin; Marliyah, Marliyah
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.3884

Abstract

Sharia compliance is one of the elements in the assessment of the soundness level of Sharia Insurance. Maintenance of the health level of insurance will be directly proportional to the maintenance of public trust so if insurance is negligent in maintaining its health level because it does not apply Sharia principles, public trust in insurance will be lost. This study aims to analyze the implementation of Sharia Compliance in assessing the performance of PT Asuransi Jiwa Syariah Bumiputera Agents. The performance of Sharia Insurance Agents certainly needs to be assessed whether it is in accordance with Sharia compliance. The method used in this research is descriptive qualitative. The results of this study indicate that the Insurance Agent of PT Asuransi Jiwa Syariah Bumiputera has carried out marketing in accordance with Sharia compliance, only that the company’s operational system is still under the auspices of its parent, so it cannot be ascertained that it will be free from elements of ribawi.
The Comparison of Financial Performance of Sharia Banks Registered in the Jakarta Islamic Index (JII) Using Fundamental Analysis Arianja, Haidir; Marliyah, Marliyah; Arif, Muhammad
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.3924

Abstract

The purpose of this study was to determine the differences in financial performance among Bank Panin Syariah, Bank Syariah Indonesia, Bank BTPN Syariah, and Bank Bukopin Syariah by using fundamental analysis of Earnings Per Share (EPS), Price to Earning Ratio (PER), Return on Equity (ROE), and Debt to Equity Ratio (DER). The research approach is quantitative. Data analysis techniques Normality Test, Homogeneity of Variance Test, Analysis of Variance Test (ANOVA), and Post Hoc Test. The results showed that the calculated F value of earnings per share was 2.437 while the f table value was 2.87, this means that f count f count (7.128) > f table (2.87) so it can be concluded that H0 is accepted which means there is no difference in Earnings Per Share among Bank Panin Syariah, Bank Syariah Indonesia, Bank BTPN Syariah, and Bank Bukopin Syariah. The calculated F value of the Price to Earning Ratio is 8,935 while the f table value is 2.87, this means that f count (34,720) > f table (2.87) so it can be concluded that H0 is rejected, which means that there is a difference in Earnings Per Share among Bank Panin Syariah, Bank Syariah Indonesia, Bank BTPN Syariah, and Bank Bukopin Syariah. The calculated F value of Return on Equity is 3.150 while the value of f table is 2.87, this means that f count (3.150) > f table (2.87) so it can be concluded that H0 is rejected which means that there is a difference in Return on Equity among Bank Panin Syariah, Bank Syariah Indonesia, Bank BTPN Syariah, and Bank Bukopin Syariah. The F calculated Debt to Equity Ratio value is 3,330 while the f table value is 2.87, this means that f count (14,602) > f table (2.87) so it can be concluded that H0 is rejected which means there is a difference in Debt-to-Equity Ratio among Bank Panin Syariah, Bank Syariah Indonesia, Bank BTPN Syariah and Bank Bukopin Syariah.
Co-Authors - Afrizal A. Rasyid, Sofya Abd.Majid, M.Shabri Abduh, Arridho Abdul Majid, Shabri Abdul Muis Abdul Rahim Saleh Agisty Fiannisa Agustin, Lismaini Agustina, Surya Ahmad Fadli Ahmad Syakir Ahmadi Bi Rahmani, Nur Aini, Ihdi Alfi Amalia Alfi, Laila Alfian, Ian Amin, Haris Al Amini, Salisa Amiruddin Amiruddin Amsari, Syahrul Andi Putri, Fahresya Nuradinda Andrean, Piter Andri Soemitra Annesca, Elfara Aqilah, Rakha Aqwa Naser Daulay Arianja, Haidir Arifah, Iif Arifin Arifin Arifin Fauzi Lubis Arnida Wahyuni Lubis Asmaul Husna Asriadi, Ari Aswinanta, Asrul Aulia, Lina Awaliya, Awaliya Ayu Kartika Sari Ayunda, Antin Azahar Siregar, Rahmat Azhari Akmal Tarigan Baehaqi Barus, Dana Syahputra Batubara, Maryam Berutu, Irsyadiah Dermaini Bi Rahmani, Nur Ahmadi br Rangkuti, Putri Apriyani Bunga Dwi Fani Ritonga Cania, Ema Saswita Caniago, Putri Ranggaini Chairani, Zizah Daulay, Muthia Aulia Azhari Dharma, Budi Dhian Rosalina, Dhian Dua, Patta Erwin SP, M. Fachrina, Rifka Fadhila Rahma, Tri Inda Fajarillah Sitohang, Sahala Falahuddin, Falahuddin Fatimah zahrah Harahap Fattonah, Rindang Dwi Fauzan , M. Fauzi, Muhammad Firdaus, Rayyan Fitrah, Habib Fitri, Mulyana Fitri, Syahruna Fuadi Fuadi Gaja, Enita Indramayani Gea, Dalmaisyah hafiz, Achmad Al-Hafiz Lubis Halimatussakdiyah Halimatussakdiyah, Halimatussakdiyah Hamdun, Nizar Hani, Zulfa Harahap, Arman Syafii Harahap, Aswan Nawawi Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Haris Al Amin Hasanah, Annisa Javalia Hasibuan, Muhammad Rizal Hasmari Noer Hilman Fauzi, Hilman Hutagalung , M. Wandisyah R. Ibrahim, Patmawati Bte Hj Ikhsan Harahap, Muhammad Imsar, Imsar Irma Suryani Lubis Irwan Irwan Irwansyah Putra Marpaung Ismail Ismail Ismail Isnaini Harahap Jarwati, Nega Jaya, Kasman Juhji, Juhji Juliana Nasution Kamila, Kamila Kamilah K Kaswinata, Kaswinata Kesuma, Suci Andini Khairunnisa, Ira Amalia Khinaya, Mutiara Kresna Riady, Dwi Kurnia, Ahmad Laseari, Indah Lubis, Farah Fadhila Lubis, Rafika Amalia Lubis, Rizky Aulia Luh Putu Ratna Sundari M. Ridwan M. Shabri Abd. Majid Mahyudin Mahyudin Manurung, Sakinah Halim Marlya Fatira AK Maulia Pratidina MayaPutra, Muhammad Umar Meutia Dewi, Meutia Mohoridju, Sufian Muhammad Agung Muhammad Arif Muhammad Ramadhan Muhammad Ramadhan muhammad Syahbudi, muhammad Muhammad Syukri Albani Nasution Muhammad Yafiz, Muhammad Muhammedi, Ssonko Mukhlis Mukhlis Munifan, Munifan Munthe, Yuli Noviah Muslim, Rany Nadia Nadia Nasrun, Muhammad Syaifuddin Nasution, Adanan Murroh Nasution, Edi Marjan Nasution, Ferdi Dermawan Nasution, Hamidah Fadly Nasution, Juliana Nasution, Junita Muharani Nasution, Muhammad Irwan Padli Nasution, Nurdin Nasution, Rizka Nasution, Rizki Aulia Putri Mujur Nasution, Zena Aini Natzmi, Alvi Nazli, Putri Neila Susanti Nofinawati Nofinawati, Nofinawati Nst, M. Ziqhri Anhar Nur Fadhilah Ahmad Hasibuan Nurbaiti , Nurbaiti Nurganti, Nurganti Nurlaili Nurlaili Nurlita, Okky Budi Nursantri Yanti Nurul Inayah Nurwani Nurwani, Nurwani Pratama, Muhammad Rifky Puspita, Rini Putri, Diva Anisyah Putri, Rafika Chudriana Rafli, Mhd Rahma, Tri Inda Fadhila Rahmat Daim Harahap Rahmawati, Widya Ayu Rahmi Syahriza, Rahmi Raihanah Daulay Ratnawati Ratnawati Ratni, Ratni Razak, Ahmad Buchori Ridho Erianto Rifaldi Dwi Syahputra Rita Handayani, Rita Ritonga, Hanny Rahmadani Ritonga, Vera Ayu Ningsih Romadhoni, Fajri Rosalina Simbolon, Linda Royhan Alihasim Hutapea Ruchiyani, Yolanda Sabri Abd. Majid, M. Sabrina, Zafira Sagala, Syarah Asda Pratiwi Sahri, Riadil Jannah Salsabilla, Salsabilla Samri Juliati Nasution, Yenni Saparuddin Siregar Saprinal Manurung Saputra, Julfan Shabri Abd. Majid, M Shifa, Mutiara Silalahi, Purnama Ramadani Simahatie, Mai Siregar, Haposan Matua Siregar, Lanina Siregar, Pani Akhiruddin Siregar, Zulhazzi Siti Aisyah Siti Hansyah Dewi Zai Solly Aryza Sri Jumiati, Sri Sri Sudewi sri sudiarti Sri Wahyuni Suci Indah Sari Sudarmansyah, Sudarmansyah Sugianto Sugianto Suhailah, Suhailah Susanti, Widya Syahfitri, Rina Syahida, Tiara Nurul Syahputra, Angga Syahraini, Syahraini Syamsul Bahri Syawal Harianto, Syawal Tanjung, Selvira Wardani Tiara Fitriani Fadilah Tuti Anggraini Virdinia, Thasya Waeno, Muhamadaree Wahyu Syarvina Waqqosh, Abi Wifka Yunita Wiwik Handayani Yanti Sirait, Frida YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yuannisa, Rizka Adlia Zahrowaini, Taqiya Zaimsyah, Annisa Masruri Zuhrinal M. Nawawi ‘Alimah, Nur